FAQ · 2026–27

Questions parents ask about ESAs

Short answers; each state guide carries the detail and the official links. Choose a state on the left for its own questions.

Questions and answers

Which states have an education savings account?

18 states run an ESA or a closely related scholarship program: Alabama, Arizona, Arkansas, Florida, Georgia, Indiana, Iowa, Louisiana, Mississippi, Montana, New Hampshire, North Carolina, South Carolina, Tennessee, Texas, Utah, West Virginia and Wyoming. Each state guide gives the program name, who qualifies, the award, and the official application link.

What can I buy with ESA funds?

It depends on the state, but most programs cover private-school tuition, curriculum and textbooks, tutoring, testing, educational therapies, and school supplies, each with conditions. Every guide lists what its program covers and links the official rules.

Where do I find ESA vendors?

Each program keeps its own list on the administrator's site, linked from every state guide. PencilGo's vendor directory groups vendors by state and shows how each one is paid; listings are vendor-reported until PencilGo checks the program's records.

Can I buy worksheets and printables with ESA funds?

In 17 of 18 programs, yes: curriculum, workbooks and printable worksheets are instructional materials, the category ESA programs cover most often, usually on condition that the purchase goes through the program's platform or an approved provider.

How do I pay a vendor with ESA funds?

Through the program's platform: ClassWallet or Odyssey in most states, direct reimbursement in a few. The program reviews the purchase before the vendor is paid, so do not buy first and assume reimbursement.

Can I pay for PencilGo with ESA funds?

In some states. Each guide shows PencilGo's current status for that program and, where a purchase is possible, the exact steps. Provider participation never approves every product, so confirm the plan in the program before buying.

Before using ESA funds. Provider approval or a marketplace listing does not approve every product or confirm that a funded purchase can be made. Check your program's current rules and payment route before buying; a direct card purchase does not guarantee reimbursement. This hub is educational information, not legal, tax or eligibility advice. PencilGo is independent of state agencies.